about the fiscal cliff? >> what you need to realize is regardless of where they end up, they have reduced standing and high taxes. you get a lot of noise. what i am seeing that is very bullish for us is the fact that there's a lot of intraday swinging, we got weeks, the market is holding up extremely well and what everyone has priced in is the government is going to be keeping more of our money and giving benefits but what also factored in is the fact that real-estate has turned a corner and that is a much bigger driver of next year's growth and there might be some uncertainty everyone believes even if we go over the cliff they will get to resolution a couple weeks after that and the market might need to go 500 points to get them to do something they will still do something. dave: a very interesting point. the market has priced this volatility inside. i am wondering how far the pricing goes. for example because the demands from the white house were so extreme there were no spending cuts at all except that pr